Personal loans in Lilydale, MN

The nearest larger metro is Mendota Heights, MN about 2 miles away. The 2020 count to the 2023 estimate shows about 3.1% decline in Lilydale. A lender that serves Lilydale operates under Minnesota lending statutes and a Minnesota supervisor. Compare APR, not the interest rate, because the APR folds in most fees on a Lilydale loan.

The Lilydale data picture

Set out below is Lilydale's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 782 residents in Lilydale (Vintage 2023 subcounty estimate), the 398th-largest figure among Minnesota's 853 places.
• Population trend: A decline of about 3.1% across the 2020-to-2023 comparison.
• Net change: roughly 25 fewer people than the 2020 Census counted.
• Size percentile: with 782 residents, Lilydale is larger than about 53% of Minnesota's Census places.
• Population density: 1,414 people per square mile on 0.6 square miles of land.
• By land area: Lilydale ranks 668th among Minnesota's 853 places, at 0.6 sq mi.
• Water area rank: Lilydale ranks 155th among Minnesota's 853 places, with 0.33 sq mi.
• Within Minnesota: about 0.0% of the state's population lives in Lilydale.
• National rank: Lilydale sits 11,290th by population among the 19,457 places in this dataset.
• Growth rank: Lilydale ranks 754th among Minnesota's 853 places for the 2020-to-2023 change.
• Against the state trend: Lilydale's 3.1% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Lilydale places 153rd among Minnesota's places by people per square mile.
• Density in context: Lilydale's 1,414 people per square mile sit against a Minnesota median of 607.
• Location: mapped by the US Census Bureau at 44.9088, -93.1308.
• Nearest larger cities: Mendota Heights (2 mi); West St. Paul (2 mi); St. Paul (3 mi); South St. Paul (5 mi); Falcon Heights (6 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller towns nearby: Mendota (2 mi); Sunfish Lake (3 mi); Gem Lake (11 mi).
• Smaller neighbours: 35 places smaller than Lilydale sit within 50 miles.
• Within 100 miles: 322 places are larger than Lilydale.

The geography behind Lilydale

Lilydale covers about 0.6 square miles of land, with 0.33 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,414 people per square mile. The largest place in Minnesota, Minneapolis, lies about 8 miles away. Within 50 miles of Lilydale there are 181 larger Census places. Within the same 50 miles lie 35 smaller Census places.

How Lilydale compares across Minnesota

Within Minnesota, Lilydale holds roughly 0.0% of all residents, the 398th-largest share among 853 places. For population change between 2020 and 2023, Lilydale ranks 754th of 853 in Minnesota (about the 12th percentile). By density, at about 1,414 people per square mile, it ranks 153rd in Minnesota. By land area, its 0.6 square miles rank 668th of 853 places in Minnesota.

The Minnesota lending rules that reach Lilydale

Minnesota has no separate rate rule for Lilydale; the sourced rows below are what reach every lender that serves its 782 people.

How personal loans work in Lilydale

With roughly 782 residents, Lilydale is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Lilydale's rank of 398th in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Lilydale loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What to do before borrowing in Lilydale

Complete these steps first when you borrow in Lilydale (782 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Make sure the new payment leaves room in a budget you already keep.

What differs between Lilydale and the rest of Minnesota is not the process but the borrower's own file, among the 782 people here.